AI-powered appeal letters that cite your exact policy language and state insurance law — ready in 24 hours. No lawyers. No stress.
That you give up. Most homeowners accept a denial and move on — leaving thousands on the table. Insurance companies use AI to deny claims faster than ever. We use AI to fight back.
Roof damage. Water damage. Policy cancellations. Coverage removals. We've seen it all — and we know exactly how to appeal every single one.
"Based on our findings, there would be no coverage afforded under your policy. The reported damages appear to be the result of long term repeated leaking and seepage, and has been occurring over a period of time."
Take a photo or upload your denial letter, cancellation notice, or coverage removal. We work with all major home insurance companies across the country.
Our AI reads your exact policy language, identifies the insurer's legal obligations, and finds every ground for appeal — including state insurance code violations they hope you never find out about.
You receive a professional appeal letter and cover email ready to send. We include a step-by-step guide and, if needed, a pre-filled insurance commissioner complaint.
Cites your exact policy language and state insurance law — the same arguments attorneys charge $500/hr for.
A short, direct email to send with your letter. Makes the adjuster open the attachment.
We find the exact language in your policy that the insurer used against you — and the language that works for you.
A pre-filled state insurance commissioner complaint ready to file if the insurer doesn't respond.
Exactly what to do, when to follow up, and when to escalate — step by step.
From upload to appeal letter in 24 hours or less. No waiting weeks for an attorney's schedule.
One simple price. We handle everything from start to finish.
We handle everything. You send us your denial letter and we take it from there.
No. Fenix Claim is a document preparation service. We prepare appeal letters that cite your policy language and applicable state insurance law. We do not provide legal advice. For complex litigation, we can refer you to a licensed insurance attorney.
We handle claim denials (roof, water, wind, hail, fire), policy cancellations, and coverage removals. If you received a letter from your insurer that reduces or eliminates your coverage — we can help.
Within 24 hours of submitting your denial letter and completing your intake form. Done For You customers receive priority processing.
If your appeal letter is not stronger than your original denial we will refund you in full. For large claim customers on success-fee, you owe nothing if we don't recover funds for you.
We currently specialize in Texas homeowners insurance claims and are expanding state by state. Submit your intake form and we will confirm if your state is covered.
Free for the first 5 homeowners. No lawyers. No court. No stress. Just a professional appeal letter in 24 hours.
Fight My Denial — Free →